Terms & Conditions

  1. General

  2. These terms and conditions apply to the Arsenal Credit Union Refer a Friend Program (“program”). By referring a friend or family member, claiming an offer, becoming an Arsenal Credit Union member as a result of a referral, or otherwise participating in the program, you agree to be bound by these terms and conditions and the Arsenal Credit Union Privacy Policy (collectively, the “Program Terms and Conditions”). Arsenal Credit Union's Privacy Policy is available here

  3. Program Participation

  4. The Arsenal Credit Union Refer a Friend Program is only available to current Arsenal Credit Union members and the friend or family member whom is referred to Arsenal Credit Union. Please allow up to 30 days after referral validation for the referral reward to be fulfilled. Arsenal Credit Union reserves the right to modify, extend or cancel this program at any time. The program is only available online here. Internet access is required for participation in the program. Verbal referrals are not valid. Current Arsenal Credit Union members who initiate a referral on the Refer a Friend Program are defined as “Referrers.” Non-customers who become an Arsenal Credit Union member upon accepting a referral are defined as “Referees.”

  5. Eligibility

  6. The program is only available to Arsenal Credit Union members, age 18 and older, whose accounts have been in good standing for a minimum of 30 days. To make referrals, you must:

    1. Be an Arsenal Credit Union member in good standing for a minimum of 30 days.
    2. Be an individual person, age 18 or older, at the time of participation.
    3. Create a referral account on the Refer a Friend program website by providing your name, a valid email address, your date of birth, creating a password and agreeing to the program's Terms and Conditions.
    4. Referee must be age 18 or older and keep account in good standing for 30 days.

    Participation in the Arsenal Credit Union Refer a Friend Program is prohibited where void by applicable law or regulation. The program is only available through the Refer a Friend program website. Additional rewards cannot be redeemed by either party for referring someone who has already claimed a referral offer from someone else or for referring yourself. If the person you have referred has already become an Arsenal Credit Union member prior to the inception of this program, he or she will not be able to assert he or she was referred, resulting in neither party receiving a reward for this particular referral. A referee may only accept one referral from one referrer.

    Arsenal Credit Union reserves the right to void any referral reward based on the following: (1) ineligibility of any program participant, (2) fraudulent activity, or (3) if Arsenal Credit Union, in its sole discretion, finds that any of the Program Terms and Conditions have been violated.

  7. Reward Redemption

  8. Referral rewards are non-transferable, non-assignable and cannot be redeemed or exchanged for cash, credit or other merchandise outside of the program.

  9. Tax

  10. Participants are responsible for any and all tax liabilities associated with the program.

  11. Void Where Prohibited

  12. This program is void where prohibited by law.

  13. Additional Terms and Conditions

  14. Arsenal Credit Union reserves the right to change the terms and conditions of the Arsenal Credit Union Refer a Friend Program at any time, without notice and at its sole discretion. Arsenal reserves the right to not award a referral reward or to disqualify participants from the program if fraudulent behavior or other unethical conduct has occurred that compromises the fairness of the program in any way. Rewards cannot be combined with other promotions and are not valid for previous offers or orders. Spam, unsolicited commercial email, or any other forms of illegal communication is prohibited and will be grounds for termination of your participation in this program. Fraudulent or unethical means of communication, such as using bots, fictitious identities, fake emails or scripts are also prohibited and will result in similar actions by Arsenal with respect to terminating your participation in the program. Arsenal Credit Union's products and services are subject to additional terms, conditions and other restrictions.

    By participating in this program, you agree to release and hold harmless Arsenal Credit Union and RewardStream Inc., as the operator of the program for these organizations and their affiliates, subsidiaries, directors, officers, employees, consultants, agents and any other entity associated with marketing this program (collectively, the “Released Parties”) from any and all claims or damages arising out of, or in connection with the program. You further agree that the program and rewards are provided “as is where is”. THERE ARE NO REPRESENTATIONS OR WARRANTIES INCLUDING BUT NOT LIMITED TO STATUTORY WARRANTIES AND CONDITIONS, WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, THIRD PARTIES RIGHTS, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. IN NO EVENT WILL EITHER PARTY BE LIABLE TO THE OTHER FOR ANY CONSEQUENTIAL, INCIDENTAL, OR SPECIAL DAMAGES, INCLUDING ANY LOST PROFITS OR LOST SAVINGS, EVEN IF ONE PARTY HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY THIRD PARTY.